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Protect your holiday with travel insurance

Protect your holiday with travel insurance.
E&L Travel Insurance is provided by Insure & Go Insurance Services Ltd.
Whether you prefer heading to the beach or mountains, sea or city, travel insurance can help provide protection should things not quite go to plan. We offer four levels of cover and optional add-ons such as winter sports, business use and even excess waiver, so there's plenty of choice to get the cover you need.

Three policy types to choose from:

Single Trip travel insurance for people taking just one trip or holiday during the year, with the option of winter sports and hazardous activity cover. Policies are available up to 365 days, anywhere in the World.

Annual Multi-Trip travel insurance take as many trips as you like through the year throughout the year. There's the option to include winter sports as well as a variety of activities. This type of policy may be suitable, even if you are planning only a few weekends away in addition to your main holiday.

Backpacker travel insurance allows for long single trips at a cost effective price. A specialist low cost travel insurance policy for extended stay trips, ideal for student, backpacker and gap year travellers. Cover for trips from 31 days to 18 months.

Four cover levels to help you find the right cover for you:

  • Budget offers our most affordable package with an excess of £75* per claim
  • Silver provides increased cover levels with excess of £60* per claim.
  • Gold offers yet higher cover with a reduced excess of just £50* per claim.
  • Black is our premium travel insurance with our highest cover levels and ZERO excess charges.

* You can enjoy zero excess on any cover level by choosing to adjust your excess in optional extras. In fact you can even to double it in order to reduce your premium.

To view our policy benefits and view Policy Documents - select the correct tab above.

All our travel insurance offers:

  • FREE cover for up to THREE children per adult as standard
  • Optional extras for winter sports, travel disruption, excess waiver, business use and golf
  • Cover for over 40 different sports and adventure activities

Annual Multi Trip Insurance includes cover for:

  • Up to 90 days per trip**
  • Winter sports
  • As many trips as you like!

** under 65 years old. If aged 66 or over cover is limited to 31 days per trip.

For more information please see the FAQs and the Policy Info tab.

Our travel insurance has optional extras for business use, skiers, golfers and more!

You can tailor your travel insurance policy to meet your needs with our optional extras. With lifestyle options including cover for Business, Winter Sports and Golf and more which allow you to adjust your excess and even add Travel Disruption cover. Read on for more details.

Adjust or even waive the excess on your travel insurance

You can choose to double or waive the excess on any travel insurance policy for an adjusted premium!

  • Reduce your premium if you double the excess
  • Waive your excess (zero excess) for a slightly increased premium

Business travel insurance optional extra

If your trip, or any trip for Annual Multi-Trip policy holders, involves work then our Business cover is an optional extra that you might want to choose and it offers SEVEN additional or enhanced benefits:

  • Lost, stolen or damaged business equipment - including laptops, communication devices (including mobile phones and accessories) and other business related equipment up to £500.
  • Delayed business equipment - we cover replacement purchase costs of essential business equipment that is delayed more than 24 hours.
  • Emergency courier expenses - up to £200 for costs related to replacing any essential business equipment.
  • Hire of replacement business equipment - up to £500 (£50 per day) should your business equipment be delayed for more than 24 hours or lost whilst on the trip.
  • Business money - cover for business related money that you carry or store in a safety deposit box.
  • Extra personal accident benefit - for booked business trips personal accident benefits are doubled for your cover level.
  • Baggage delay - buying essential items connected to your business if your baggage is delayed during an outward journey for more than 12 hours.

For information of cover levels please see your appropriate table of benefits and for further details and exclusions please see the Policy Documents tab above.

Winter Sports travel insurance cover

The Winter Sports optional extra can provide cover for a multitude of activities including skiing and snowboarding (including off-piste), snowmobiling, bobsleighing, ski touring, ice fishing, ice climbing and many more (see the Policy Documents tab for full details). Our Winter Sports cover provides the following benefits:

  • Lost, stolen or damaged winter sports equipment - cover for skis, snowboards to helmets, bindings, boots and even lift passes up to £510 dependant on your cover level.
  • Winter sports equipment hire - rental cost cover should your equipment be delayed for over 12 hours or be lost, stolen or damaged during your trip.
  • Ski pack cover - cover if you are unable to use a ski pack (eg ski-school, rental packages, lift passes) due to injury or illness whilst on holiday. Please see the Policy Documents tab for full definition of a Ski pack.
  • Piste closure - cover for the cost of transport to the nearest open resort or if no other resort is available should your holiday resort be closed for more than 12 hours due to high winds, not enough or too much snow.
  • Avalanche cover - cover for extra accommodation or travel should your outward or return journey be delayed by more than 12 hours due to avalanche.

For information of cover levels please see your appropriate table of benefits and for further details and exclusions please see the Policy Documents tab.

Golf travel insurance

Our Golf travel insurance optional extra provides extra cover to cater for the needs to travelling golfers as follows:

  • Lost, stolen or damaged golf equipment - cover for clubs, golf bags, non-motorised golf trolleys and golf shoes.
  • Golf equipment hire - rental cost cover should your golf equipment be delayed for over 12 hours or be lost, stolen or damaged during your trip.
  • Green fees - up to £300 (£75 per day) cover for paid green fees, tuition fees and golf equipment hire should you be ill or injured and too ill to play whilst on your trip.

For information of cover levels please see your appropriate table of benefits and for further details and exclusions please see the Policy Documents tab.

Travel disruption cover

Provides extended cover to three key benefits should your trip be disrupted by natural disaster or civil unrest.

  • Extended delayed departure cover - up to £100 to help with the additional costs of a delay such as telephone calls and food if your trip is delayed more than 12 hours.
  • Extended missed departure cover - up to £500 to help with additional necessary travel and accommodation costs.
  • Extended Accommodation cover - up to £1000 for irrecoverable or additional accommodation costs.

For information of cover levels please see your appropriate table of benefits and for further details and exclusions please see the Policy Documents tab.

Budget

Section Limit Excess
Cancellation and Curtailment Up to £1,000 £75
Medical Expenses Up to £5,000,000 £100
£150 aged 66 and over
Hospital Benefit £10 per day up to £100 N/A
Personal Effects & Baggage Up to £1,000 £75
- Single Item Limit £100
- Valuables Limit in total £100
- Travel Documents £50
- Delayed Baggage £25 per day up to £50
Personal Money Up to £200 £75
- Cash Limit £100
- Cash (aged under 18) £25
Delayed Departure £20 for the first 12 hour period,
£10 for each additional 12 hours,
up to £100
N/A
Holiday Abandonment Up to £1,000 £75
Personal Accident Max Benefit £10,000 N/A
- Loss of limbs or sight (aged under 66) £10,000
- Permanent Total Disablement £10,000
- Death Benefit (aged 18-65) £5,000
- Death Benefit (aged under 18) £2,500
- All Benefit (aged 66 and over) £2,500
Personal Liability Up to £1,000,000 £75
Accommodation Cover Up to £250 £75
Legal Expenses Up to £10,000 N/A
Scheduled Airline Failure Up to £1,000 £75
Child Assist £30,000 Nil
Winter Sports Cover (When additional premium is paid or AMT purchased)
Ski Equipment
- Owned Up to £200 £75
- Single Item Limit (Owned) £100
- Hired Up to £100
Ski Hire £10 per day up to £100 N/A
Ski Pack Up to £50 per day up to £200 N/A
Piste Closure Up to £10 per day up to £100 N/A
Avalanche Closure Up to £150 N/A
Travel Disruption (When additional premium is paid)
Extended Delayed Departure Cover Up to £1,000 £75
Extended Missed Departure Cover Up to £500 £75
Extended Accommodation Cover Up to £1,000 £75

Silver

Section Limit Excess
Cancellation and Curtailment Up to £3,000 £60
Medical Expenses Up to £10,000,000 £60
£100 aged 66 and over
Hospital Benefit £20 per day up to £1,000 N/A
Personal Effects & Baggage Up to £1,500 £60
- Single Item Limit £200
- Valuables Limit in total £200
- Travel Documents £100
- Delayed Baggage £50 per 12 hours up to £100
Personal Money Up to £500 £60
- Cash Limit £200
- Cash (aged under 18) £50
Delayed Departure £20 for the first 12 hour period,
£10 for each additional 12 hours,
up to £300
N/A
Holiday Abandonment Up to £3,000 £60
Hijack £50 per day up to £500 N/A
Missed Departure Up to £500 £60
Personal Accident Max Benefit £20,000 N/A
- Loss of limbs or sight (aged under 66) £20,000
- Permanent Total Disablement £20,000
- Death Benefit (aged 18-65) £5,000
- Death Benefit (aged under 18) £2,500
- All Benefit (aged 66 and over) £2,500
Personal Liability Up to £2,000,000 £60
Accommodation Cover Up to £1,000 £60
Legal Expenses Up to £15,000 N/A
Scheduled Airline Failure Up to £1,000 £60
Pet Care £20 per day up to £200 £60
Child Assist £30,000 Nil
Winter Sports Cover (When additional premium is paid or AMT purchased)
Ski Equipment
- Owned Up to £500 £60
- Single Item Limit (Owned) £250
- Hired Up to £250
Ski Hire £20 per day up to £200 N/A
Ski Pack Up to £75 per day up to £300 N/A
Piste Closure Up to £20 per day up to £200 N/A
Avalanche Closure Up to £250 N/A
Business Cover (When additional premium is paid)
Business Equipment £1,000 £60
- Single Article, Pair or Set Limit £500
- Samples £500
- Business Equipment Delay £200
- Emergency Courier Expenses £200
Hiring Business Equipment £50 per day up to £500 N/A
Business Money £1,000 £60
- Cash Limit £500
Extra Personal Accident Standard Benfit x2 N/A
Extra Baggage Delay £100 after the first 12 hours and
up to £500 after 24 hours for purchases made
N/A
Golf Cover (When additional premium is paid)
Golf Equipment £1,000 £60
- Single Article, Pair or Set Limit £250
Hiring Golf Equipment £20 per day up to £200
Green Fees £75 per day up to £300
Travel Disruption (When additional premium is paid)
Extended Delayed Departure Cover Up to £1,000 £60
Extended Missed Departure Cover Up to £500 £60
Extended Accommodation Cover Up to £1,000 £60

Gold

Section Limit Excess
Cancellation and Curtailment Up to £5,000 £50
Medical Expenses Up to £15,000,000 £50
£100 aged 66 and over
Hospital Benefit £30 per day up to £1,500 N/A
Personal Effects & Baggage Up to £2,000 £50
- Single Item Limit £300
- Valuables Limit in total £400
- Travel Documents £200
- Delayed Baggage £100 per 12 hours up to £200
Personal Money Up to £500 £50
- Cash Limit £300
- Cash (aged under 18) £50
Delayed Departure £40 for the first 12 hour period,
£20 for each additional 12 hours,
up to £400
N/A
Holiday Abandonment Up to £5,000 £50
Hijack £50 per day up to £500 N/A
Missed Departure Up to £1,000 £50
Personal Accident Max Benefit £50,000 N/A
- Loss of limbs or sight (aged under 66) £50,000
- Permanent Total Disablement £20,000
- Death Benefit (aged 18-65) £25,000
- Death Benefit (aged under 18) £2,500
- All Benefit (aged 66 and over) £2,500
Personal Liability Up to £2,000,000 £50
Accommodation Cover Up to £1,000 £50
Legal Expenses Up to £50,000 N/A
Scheduled Airline Failure Up to £1,000 £50
Supplier Insolvency Cover Up to £1,500 £50
Pet Care £50 per day up to £500 N/A
Child Assist £30,000 Nil
Winter Sports Cover (When additional premium is paid or AMT purchased)
Ski Equipment
- Owned Up to £1,000 £50
- Single Item Limit (Owned) £500
- Hired Up to £500
Ski Hire £50 per day up to £500 N/A
Ski Pack Up to £75 per day up to £450 N/A
Piste Closure Up to £40 per day up to £400 N/A
Avalanche Closure Up to £500 N/A
Business Cover (When additional premium is paid)
Business Equipment £1,000 £50
- Single Article, Pair or Set Limit £500
- Samples £500
- Business Equipment Delay £200
- Emergency Courier Expenses £200
Hiring Business Equipment £50 per day up to £500 N/A
Business Money £1,000 £50
- Cash Limit £500
Extra Personal Accident Standard Benfit x2 N/A
Extra Baggage Delay £100 after the first 12 hours and
up to £500 after 24 hours for purchases made
N/A
Golf Cover (When additional premium is paid)
Golf Equipment £1,000 £50
- Single Article, Pair or Set Limit £250
Hiring Golf Equipment £20 per day up to £200
Green Fees £75 per day up to £300
Travel Disruption (When additional premium is paid)
Extended Delayed Departure Cover Up to £1,000 £50
Extended Missed Departure Cover Up to £500 £50
Extended Accommodation Cover Up to £1,000 £50

Black

Section Limit Excess
Cancellation and Curtailment Up to £7,500 Nil
Medical Expenses Unlimited Nil
Hospital Benefit £40 per day up to £2,000 N/A
Personal Effects & Baggage Up to £2,500 Nil
- Single Item Limit £500
- Valuables Limit in total £600
- Travel Documents £250
- Delayed Baggage £150 per 12 hours up to £300
Personal Money Up to £750 Nil
- Cash Limit £500
- Cash (aged under 18) £50
Delayed Departure £50 for the first 12 hour period,
£25 for each additional 12 hours,
up to £500
N/A
Holiday Abandonment Up to £7,500 Nil
Hijack £75 per day up to £1,000 N/A
Missed Departure Up to £1,500 Nil
Personal Accident Max Benefit £75,000 N/A
- Loss of limbs or sight (aged under 66) £75,000
- Permanent Total Disablement £75,000
- Death Benefit (aged 18-65) £35,000
- Death Benefit (aged under 18) £3,500
- All Benefit (aged 66 and over) £3,500
Personal Liability Up to £3,000,000 Nil
Accommodation Cover Up to £1,500 Nil
Legal Expenses Up to £60,000 N/A
Scheduled Airline Failure Up to £1,000 Nil
Supplier Insolvency Cover Up to £1,500 Nil
Pet Care £75 per day up to £750 N/A
Child Assist £30,000 Nil
Winter Sports Cover (When additional premium is paid or AMT purchased)
Ski Equipment
- Owned Up to £1,500 Nil
- Single Item Limit (Owned) £750
- Hired Up to £750
Ski Hire £75 per day up to £750 N/A
Ski Pack Up to £85 per day up to £510 N/A
Piste Closure Up to £50 per day up to £500 N/A
Avalanche Closure Up to £750 N/A
Business Cover (When additional premium is paid)
Business Equipment £1,000 Nil
- Single Article, Pair or Set Limit £500
- Samples £500
- Business Equipment Delay £200
- Emergency Courier Expenses £200
Hiring Business Equipment £50 per day up to £500 N/A
Business Money £1,000 Nil
- Cash Limit £500
Extra Personal Accident Standard Benfit x2 N/A
Extra Baggage Delay £100 after the first 12 hours and
up to £500 after 24 hours for purchases made
N/A
Golf Cover (When additional premium is paid)
Golf Equipment £1,000 Nil
- Single Article, Pair or Set Limit £250
Hiring Golf Equipment £20 per day up to £200
Green Fees £75 per day up to £300
Travel Disruption (When additional premium is paid)
Extended Delayed Departure Cover Up to £1,000 Nil
Extended Missed Departure Cover Up to £500 Nil
Extended Accommodation Cover Up to £1,000 Nil

To be eligible for Travel Insurance the following conditions must be met:

  • The policyholder is a resident of the UK for at least 6 out of the last 12 months (does not have to be 6 consecutive months)
  • The policyholder must be in UK at time of purchase
  • The policy holder must be aged under 75 years.

Policy wording

Download a copy of the full policy wording (including a brief keyfacts summary) for your travel insurance policy using the links below:

To view the above PDFs Adobe Reader must be installed.

How to make a claim

You can start your claim by phone or post. Should you need to speak to us whilst still on a trip, then our 24/7 emergency number is always available.

Once we have received your completed claim form we will let you know and we will provide a unique claims reference number. Please take note of this and be sure to include your reference number whenever you contact us about your claim.

Start a claim by phone:

Call us on +44 (0) 330 400 1222

Open 24 hours a day, 7 days a week.

Start a claim by post:

If you prefer to send your claim by post, simply download and complete the relevant form from the list below and send it to the address as shown.

IMPORTANT NOTE: Please be sure to send us any original documents needed to support your claim, as we are unable to accept photocopies.

Postal address:

Customer Service Department
Insure & Go Insurance Services Ltd
Maitland House
Warrior Square
Southend-on-Sea
Essex SS1 2JY